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Start with something that works, change just one thing at a time until it doesn't — a troubleshooting approach which has served me very well :-)

Probably it was useful in this case to encounter the problem and have it brought to your attention that there was a task with an unusual context in the sequence, but it might be advantageous to have a parallel project or single action list full of action groups for each "thread" in your financial chores project. I'm assuming you have a bunch of accounts for which you need to do the download statement / reconcile statement / pay bill combination. There's no reason not to do the other 7 accounts just because there's a temporary hitch with one of them, is there? Of course, maybe that task is a gatekeeper for everything else, and you've already got such a structure behind it...